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Established Contributor
Posts: 573
Registered: ‎05-29-2011
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Should I Close Citi ?

I have a Citi card with a measly $300 limit that has been opened a couple of years, I've never used it and Citi won't budge with a CLI.  Will it hurt my score at all to close it, or should I just let it sit there open until Citi closes it for non-activity ? 

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Frequent Contributor
Posts: 344
Registered: ‎10-25-2011
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Re: Should I Close Citi ?

I'd keep it open and work on the reason why they won't budge on a CLI.  Citi are stingy with CLI mine as been stuck the same for several years I get knocked down each time even though my credit profile is excellent.  Well apart from the odd inquiry and zillion new accounts :smileywink:

Valued Contributor
Posts: 1,738
Registered: ‎08-13-2012
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Re: Should I Close Citi ?

Will you going to give your employee a rate if he being lazy ???

Well used your card and paid them in full.

Used it about 1 or two month then Call the back door number and explain it to them with a such small limit.

Don't closed the card if  if it's have no AF.


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Valued Contributor
Posts: 1,524
Registered: ‎08-17-2008
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Re: Should I Close Citi ?


n777ua wrote:

I have a Citi card with a measly $300 limit that has been opened a couple of years, I've never used it and Citi won't budge with a CLI.  Will it hurt my score at all to close it, or should I just let it sit there open until Citi closes it for non-activity ? 


If the card is not growing even if it has no AF with the cards you currently have I say close it. Those cards and limits are great


$100K in Credit
Last Credit Card App: 11/16/13
Senior Contributor
Posts: 3,852
Registered: ‎10-02-2012
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Re: Should I Close Citi ?

Is it a gas crad? My mom has requested CLI for her Sears MC and hasnt had any luck. STUCK AT $1,500 unlike my dad who has his Sears MC at $4,000. CITI IS WEIRD :smileytongue:

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